Summary of the work of the joint commune loan officer
1. Strengthen study and strive to improve political and business quality. Over the past year, I have been able to seriously study Deng's theory of building socialism with Chinese characteristics, conscientiously implement the line, principles, and policies formulated by the party and the state, and have the consciousness of serving the people wholeheartedly. Can abide by the law and obey the law, dare to fight against violations of law and discipline, loyal to duty, seek truth from facts, integrity and integrity, obey professional ethics and social morality. I have carefully studied the "xxxx" spirit of Jiang--, and can better understand the connotation of the "xxxx" spirit. In the "xxxx" learning process, I can find out the problems in time and understand the spirit of "xxxx". The locality has strengthened learning in a timely manner and corrected it so that I have made some progress in my ideological consciousness. At the same time, we will use our spare time to study financial business knowledge and continuously enrich our work experience. We can integrate all kinds of learning materials issued by the Associated University, and apply what we have learned, business work ability, comprehensive analysis ability, coordination ability, and written language ability. In other respects, there has been a great improvement.
2. Perform your duties and do your job well. I love my own work, can treat each task correctly and conscientiously, embody the party's and the country's financial policies and spirits flexibly in the work, be proactive in work, conscientiously abide by the rules and regulations, and be able to Complete the tasks assigned to the leaders by the leaders. First, strict rules and regulations, the first pass to improve the quality of credit assets. As a credit reference, I feel the weight of my shoulders, and a slight negligence may lead to credit risk. Therefore, I keep reminding myself to constantly enhance my sense of responsibility. In view of the concentration of urban residents, the loan ID card is easy to use confusion. I suggest that the leader register the name and number of the credit card in the order of application, and then check all the urban credit cooperatives to confirm that there is no loan and then go through the formalities. In the past year, whether it is a hot summer or a cold winter, I insisted on checking with other credit cooperatives, and I will not handle it for multi-family lenders and large-scale households. At the same time, in order to better control the shoud, I also learned the ability to distinguish between true and false ID cards through ties to relevant units. As long as they are fake documents, I can identify them at a glance, thus improving the quality of credit assets. The first pass. The second is to adhere to the principle of credit and do a good job of reviewing loans. I am well aware that the quality of credit assets is related to the development of credit cooperatives, and the responsibility is heavier than Taishan. Over the past year, I have adhered to the "three investigations" system of loans and the credit management system formulated by the Associated Press. I have carefully reviewed every loan, from the subject qualification and credit status of the borrower, the status quo and prospects of the production and operation projects, and Ability, to the guarantor's qualifications, guarantee ability, the legal validity of the pledge; from the inventory inspection, the reconciliation of current accounts to the field inspection of housing and equipment; from the calculation of assets and liabilities, production and sales and profit analysis To the study of the net cash flow of operating projects, the measurement of loan risk, until the reasons for lending and not lending, I carefully examined every link, without any slight slack. In the pre-lending review, I did "three musts", that is, the loan conditions must be in line with the policy, the loan documents must be legal originals, the lender and the guarantor must be present to verify the signature, and the same as the acquaintances, guarantee The loan is issued in compliance and legal. The third is to improve the quality of work and timely and accurately manage the credit basic data. Doing a good job in the recording, collection and management of credit basic materials is one of the important tasks of the credit department. This work is cumbersome and important, and it is necessary to work overtime to complete. I insisted that the processing of the same day of the day was completed, from the account, the account, to the card, the card; from the sales account, the interest rate, to the registered economic file of the creditor, all the checks never stay overnight. In only 20** years, our company has accumulated more than 50 million yuan in loans, and there have been no mistakes in thousands of businesses. In the many inspections of the People's Bank and the Associated Press, they were all well received.
3. Sincerely unite and do our best to improve business efficiency. In the past year, my colleagues and I have been able to unite and obey the arrangements of the leaders, and actively do other work to achieve the goal of the whole society, and to do our best. First, I try my best to pull deposits. I often use my spare time to mobilize my savings deposits. I have spared no effort to strengthen the strength of the credit union. I have absorbed more than 600,000 yuan in the whole year, which has better fulfilled the tasks assigned by the credit union. The second is proactive marketing loans. I continue to strengthen the awareness of loan marketing, break the idea of "fear of lending", seek credit-worthy households, and take the initiative to do a good job in the market research of creditors on the premise of ensuring the quality of credit assets. Individual industrial and commercial households with market and creditworthiness gave credit support. The annual loan for the year was over 2 million yuan, and the balance at the end of the year was 1.5 million yuan. There was no overdue. The third is to diligently complete other tasks assigned by the leadership. In addition to doing my job well, I also do other work according to the leadership arrangements, such as daily door-to-door collection, and in-depth school fees for school collection during the peak season. Coordinate with everyone and work together to complete the task.
Looking back on the work of the year, I still feel that there are still many shortcomings. First, the quality of the business is not improving fast, and the new business knowledge is not enough and not transparent. Second, there is still a gap between the work and other peers. The consciousness is not strong; the third is to satisfy the completion of his own tasks, and the work development is not bold enough. In the new year, I will try my best to overcome my own shortcomings. Under the leadership of professional and credit cooperatives, I will study hard and improve myself. Quality, active development, fulfilling duties and obeying leadership. As a good staff assistant, together with all the staff, unite for the improvement of the operational efficiency of our company, and make our due contribution to the accomplishment of the goals and tasks of the 20th year.
2. Perform your duties and do your job well. I love my own work, can treat each task correctly and conscientiously, embody the party's and the country's financial policies and spirits flexibly in the work, be proactive in work, conscientiously abide by the rules and regulations, and be able to Complete the tasks assigned to the leaders by the leaders. First, strict rules and regulations, the first pass to improve the quality of credit assets. As a credit reference, I feel the weight of my shoulders, and a slight negligence may lead to credit risk. Therefore, I keep reminding myself to constantly enhance my sense of responsibility. In view of the concentration of urban residents, the loan ID card is easy to use confusion. I suggest that the leader register the name and number of the credit card in the order of application, and then check all the urban credit cooperatives to confirm that there is no loan and then go through the formalities. In the past year, whether it is a hot summer or a cold winter, I insisted on checking with other credit cooperatives, and I will not handle it for multi-family lenders and large-scale households. At the same time, in order to better control the shoud, I also learned the ability to distinguish between true and false ID cards through ties to relevant units. As long as they are fake documents, I can identify them at a glance, thus improving the quality of credit assets. The first pass. The second is to adhere to the principle of credit and do a good job of reviewing loans. I am well aware that the quality of credit assets is related to the development of credit cooperatives, and the responsibility is heavier than Taishan. Over the past year, I have adhered to the "three investigations" system of loans and the credit management system formulated by the Associated Press. I have carefully reviewed every loan, from the subject qualification and credit status of the borrower, the status quo and prospects of the production and operation projects, and Ability, to the guarantor's qualifications, guarantee ability, the legal validity of the pledge; from the inventory inspection, the reconciliation of current accounts to the field inspection of housing and equipment; from the calculation of assets and liabilities, production and sales and profit analysis To the study of the net cash flow of operating projects, the measurement of loan risk, until the reasons for lending and not lending, I carefully examined every link, without any slight slack. In the pre-lending review, I did "three musts", that is, the loan conditions must be in line with the policy, the loan documents must be legal originals, the lender and the guarantor must be present to verify the signature, and the same as the acquaintances, guarantee The loan is issued in compliance and legal. The third is to improve the quality of work and timely and accurately manage the credit basic data. Doing a good job in the recording, collection and management of credit basic materials is one of the important tasks of the credit department. This work is cumbersome and important, and it is necessary to work overtime to complete. I insisted that the processing of the same day of the day was completed, from the account, the account, to the card, the card; from the sales account, the interest rate, to the registered economic file of the creditor, all the checks never stay overnight. In only 20** years, our company has accumulated more than 50 million yuan in loans, and there have been no mistakes in thousands of businesses. In the many inspections of the People's Bank and the Associated Press, they were all well received.
3. Sincerely unite and do our best to improve business efficiency. In the past year, my colleagues and I have been able to unite and obey the arrangements of the leaders, and actively do other work to achieve the goal of the whole society, and to do our best. First, I try my best to pull deposits. I often use my spare time to mobilize my savings deposits. I have spared no effort to strengthen the strength of the credit union. I have absorbed more than 600,000 yuan in the whole year, which has better fulfilled the tasks assigned by the credit union. The second is proactive marketing loans. I continue to strengthen the awareness of loan marketing, break the idea of "fear of lending", seek credit-worthy households, and take the initiative to do a good job in the market research of creditors on the premise of ensuring the quality of credit assets. Individual industrial and commercial households with market and creditworthiness gave credit support. The annual loan for the year was over 2 million yuan, and the balance at the end of the year was 1.5 million yuan. There was no overdue. The third is to diligently complete other tasks assigned by the leadership. In addition to doing my job well, I also do other work according to the leadership arrangements, such as daily door-to-door collection, and in-depth school fees for school collection during the peak season. Coordinate with everyone and work together to complete the task.
Looking back on the work of the year, I still feel that there are still many shortcomings. First, the quality of the business is not improving fast, and the new business knowledge is not enough and not transparent. Second, there is still a gap between the work and other peers. The consciousness is not strong; the third is to satisfy the completion of his own tasks, and the work development is not bold enough. In the new year, I will try my best to overcome my own shortcomings. Under the leadership of professional and credit cooperatives, I will study hard and improve myself. Quality, active development, fulfilling duties and obeying leadership. As a good staff assistant, together with all the staff, unite for the improvement of the operational efficiency of our company, and make our due contribution to the accomplishment of the goals and tasks of the 20th year.
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